| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUMBERLAND VALLEY INSURANCE3 Filed as: CUMBERLAND VALLEY INSURANCE MGMT | 412 N. BROAD STREET LONDON, KY 40741 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $16K | — | $16K | 11.28% |
| PAMELA ROWSEY LARSON3 | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $15K | — | $15K | 10.36% |
| CHRISTINA A WEYLS3 Filed as: CHRISTINA WEYLS | 422 JACK TURNER WAY LANCASTER, KY 40444 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $7K | — | $7K | 4.84% |
| LAURA BETH KELLER3 Filed as: LAURA KELLER | 2220 EXECUTIVE DRIVE STE 204 LEXINGTON, KY 40505 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $2K | — | $2K | 1.65% |
| BRENT HUTCHINSON3 | 333 W. VINE STREET STE 300 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | $3 | — | $3 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY DBA AFLAC | 346 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.